What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

SMS Finance

http://www.smsfinance.com.au Specialising in Equipment & Mortgage Finance, we help you get loans approved with most major banks. And our service to you is FREE.
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SMS Finance is a professional finance consultancy business with experienced staff who have a strong track record in helping clients achieve their financing goals since 1982.

16/05/2024

💭 What are the 5 C's of credit?

When applying for a loan, a lender will assess your creditworthiness based on the 5 C's of credit to better understand your risk.

Character: Your history of meeting financial obligations, including credit score and payment history.

Capacity: Your ability to repay the loan, considering income, employment stability, and existing debt.

Capital: If you put forward capital of your own into an investment it indicates how serious you are as a borrower.

Collateral: Assets you can pledge as security for the loan, such as property, vehicles, or equipment.

Conditions: External factors like economic conditions, industry trends, and loan terms.

Have any questions on the 5 C's of credit or how you can improve your credit?

✉️ [email protected]
📞 07 5430 0900
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Disclaimer: Any information provided herein is of a general nature only. No consideration has been taken into your objectives, needs or financial situation. Before acting on this information you should consider if it is appropriate for your situation.

11/05/2024

To all the amazing mums out there, we want to wish you a Happy Mother's Day! Thank you for being our rock, confidante, and biggest cheerleader.

We couldn't be more honoured to work with such a great group of women who love, support and work hard for their families.

Here are some of the superhero mums we are celebrating today within our SMS Family 🦸
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03/05/2024

"While the initial stages involved gathering financial history, the transition from buying to owning the car went smoothly and super-fast."

Buying a new car is an exciting moment and at SMS Finance we aim to make it a hassle-free experience. Let us deal with the finance so you can enjoy the thrill of shopping for your new car. 🚗

Whether you're seeking a loan for a new model, second-hand, electric or business car, our dedicated team is here to guide you every step of the way, ensuring we find the right solution for your specific requirements.
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24/04/2024

On ANZAC Day, we pay tribute to the brave men and women who served and continue to serve our country. We thank them for their dedication and unwavering commitment.

Always remembered. Never forgotten.
Lest We Forget.
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10/04/2024

Plant and equipment insurance is vital for businesses that utilise heavy machinery and complex equipment in their operations. This specialised form of insurance safeguards against a wide range of risks, providing essential financial protection and supporting business continuity.

Why do you need plant and equipment insurance?

✔️ Comprehensive protection
✔️ Business continuity and minimised downtime
✔️ Liability coverage
✔️ Financial security and stability
✔️ Customisation to specific business needs
✔️ Legal and contractual compliance
✔️ Asset value protection
✔️ Risk management strategy

Plant and equipment insurance is not just a protective measure; it is an integral component of strategic business planning, especially for operations that heavily rely on machinery and equipment.

This insurance ensures that businesses can face operational challenges with confidence, knowing that they are protected against a spectrum of risks associated with their essential equipment.

Interested in plant and equipment insurance for your business? Contact us and we can introduce you to the dedicated team at LA Insurance for more information.

✉️ [email protected]
📞 07 5430 0900
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Disclaimer: Any information provided herein is of a general nature only. No consideration has been taken into your objectives, needs or financial situation. Before acting on this information you should consider if it is appropriate for your situation.

30/03/2024

From all of us at SMS Finance, we wish you a joyful and blessed Easter! 🐣
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25/03/2024

🗯️ How much can I borrow? 🗯️

A common question anyone entering the market will ask a mortgage broker and the answer depends on several key factors:

📈 Current and future income (bonus, commissions, etc.)
📊 Expenses
💰 Deposit size or help from relative
💳 Credit history
🎯 Financial goals
🏠 Any existing assets you may have
💲 Savings history

Speaking to one of our mortgage brokers is the first step to unlocking the intricacies of borrowing capacity. Upon your initial consultation, our team will delve into your goals, assess your affordability and craft a personalised roadmap to your dream property.

In a high interest rate environment our priority is to provide you with a clear understanding of how much you can comfortably afford and offer solutions that support your long-term objectives.

With our extensive network of lenders, each offering a variety of rates and conditions, we’re equipped to navigate the market on your behalf. Our team stays updated with the latest offerings, allowing us to tailor solutions based on your situation and goals and devise a plan that not only meets your current needs but also sets a clear path for your future.

Curious about how much you can borrow and what options are available?

💬 Send us a DM
✉️ [email protected]
📞 07 5430 0900
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Disclaimer: Any information provided herein is of a general nature only. No consideration has been taken into your objectives, needs or financial situation. Before acting on this information you should consider if it is appropriate for your situation.

21/03/2024

"This is our second time using SMS Finance to purchase a home and would use SMS again without a doubt. "

Having Nicole as a loyal returning client is all the more reason for us to continue to go above and beyond in helping our clients achieve their financial goals.

At SMS Finance, we're committed to guiding you every step of the way, from purchasing your first home to growing your portfolio.

When it comes to securing a loan, we've got you covered, and our team will ensure that you have all the necessary guidance and support to navigate the complex world of finance.
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property

12/02/2024

• MEET THE TEAM •
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Meet Rennae Devine, Lending Associate.

Rennae has been a part of the SMS family for 12 years, having started with us back in 2012 straight out of high school as a Documents and Settlements Officer in the Equipment Finance team. In her time with us, she has also moved into roles supporting the equipment finance and commercial teams and most recently the construction team.

As a Lending Associate, Rennae is responsible for providing support to Lending Advisors; preparing, lodging and monitoring all stages of loan applications through to unconditional approval.

She is passionate about seeing the progress of the homes being built and the joy of clients moving into their dream homes. With her dedication to turning dreams into reality, Rennae plays a vital role in helping clients achieve their homeownership goals.
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💭 What’s Rennae's favourite thing about SMS?
"The team and work flexibility."

💭 What are some of your hobbies?
“Beach walks with my two young boys 😊”

💭 FUN FACT:
“I’ve been paragliding in the Austrian Alps.”
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02/02/2024

If you're eager to buy or enter the property market in 2024, alongside your pre-approval, a thorough home inspection is a crucial part of the buying process.

Here are some things you should look out for as you go through the property search:

🛠️ Foundation and structure: Look for cracks or water damage.

🍃 Roof and gutters: Check for leaks or clogged gutters.

🏠 Exterior: Inspect paint, and condition of doors and windows.

💧 Plumbing: Run taps, flush toilets, inspect water pressure.

🔌 Electrical: Test power points and light switches.

❄️🔥Heating and cooling: Is it the whole house or in sections?

🍴 Kitchen: Examine appliances, cabinets and countertops.

🛁 Bathrooms: Inspect ventilation, storage, tile and grout.

🌳 Outdoor areas: Assess the condition of the yard and fencing.

📍 Location: Proximity to schools and shops.

Inspecting a property can be daunting, so take your time and don't hesitate to schedule another inspection if needed.

With careful inspection and expert guidance, you'll be well-prepared to embark on your property journey!

✉️ [email protected]
📞 07 5430 0900
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Disclaimer: Any information provided herein is of a general nature only. No consideration has been taken into your objectives, needs or financial situation. Before acting on this information you should consider if it is appropriate for your situation.

24/01/2024

"How do I get started in property investing?" is a question many potential investors have on their minds.

Here are a few essential tips to kickstart your property investment journey:

1️⃣ Define your goals: Why are you choosing to invest in property? Are you aiming for long-term wealth, rental income, or short-term capital gains? Understanding your objectives and the pros and cons of investing is a crucial starting point.

2️⃣ Create a plan and do your research: Get your financials in order and dive into research. Explore different property markets and observe real estate trends. Look for areas with growth potential, strong rental demand, and solid infrastructure. Decide on the property type that aligns with your strategy, whether it's residential, commercial, or a mix.

3️⃣ Seek professional advice: Consult with one of our expert mortgage brokers to help you navigate the intricacies of property investing, analyse your finance options, assess your borrowing capacity, offer insights into current market conditions, and develop a tailored investment plan.

Remember, property investing is a long-term game, and success often comes with patience and persistence. Start small, gain experience, and gradually expand your portfolio as you become more confident. 🌟🔑

✉️ [email protected]
📞 07 5430 0900
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Disclaimer: Any information provided herein is of a general nature only. No consideration has been taken into your objectives, needs or financial situation. Before acting on this information you should consider if it is appropriate for your situation.
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04/01/2024

"This has been an absolute roller coaster of a ride getting our first home, and you guys have made the process so much easier."

Buying your first home is an exciting and monumental moment. It can definitely come with a touch of uncertainty if you're unsure where to start. At SMS Finance, the team are here to support you as you embark on the home-buying journey and turn your homeownership dreams into a reality.

Our very own Josh did an incredible job in helping Chloe get her foot in the door on her recent property purchase. We couldn't be more thrilled with the outcome achieved and look forward to continue working with her.

Is one of your 2024 goals to purchase a home? Contact us today to discuss requirements! 🏡

✉️ [email protected]
📞 07 5430 0900
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Address

Suite 13 The Sebel, 20 Aerodrome Road
Maroochydore, QLD
4558

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61754300900

Website

http://www.smsfinance.com.au/

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